Full annual report - African Bank - Investoreports

Strategic framework
ABIL’s vision is to positively impact on people’s lives through the provision of credit led risk based
fi nancial services.
8
Our material issues
M1. Leading the positioning
of unsecured lending in
the context of the
broader industry
M2. Structuring our business
for the long term
M3. Growing our people
M4. Delivering value to our
customers
M5. Maintaining a solid
funding and capital
foundation
M6. Delivering value through
sustainable and
responsible processes
M7. Maintaining good
corporate citizenship
Refer page 36.
We will grow the
business into new
areas and open
markets where
none existed
before
Strategic imperatives
S1. Maintain superior human
capital
S2. Offer a superior customer
value proposition
S3. Low cost operational
excellence
S4. Effi cient pervasive
distribution
S5. Effi cient and innovative
funding
S6. Superior credit
underwriting
S7. Effi cient and superior
collections
S8. Expanding our
accountability horizons
Refer page 38.
High level risks
R1. Economic environment
R2. Competitive landscape
R3. Perception of unsecured
lending
R4. Ability to recruit and
retain appropriate skills
(our people)
R5. Growing ABIL’s customer
base
R6. Scalability of the business
R7. Credit risk
R8. Capital, liquidity and
funding risk
R9. Managing costs
R10. Ability to price for risk
R11. Payment system changes
R12. Information technology
(IT) risk
R13. Regulation
R14. Impact on society
Refer page 114.